Hello, The world is about reviews, so i decided that I would respond to this one. I started to look for travel insurance, international. Inquired with maybe 5 companies. Some I didnt hear back from, some I did. Came across the policy advisor, When I did talk to him, I was overwhelmed and had to go over everything. He recommend a great policy for my needs. I needed a couple of days to process what it was offering. He re-explained everything, so I felt that I was in good hands. Process was easily done on line. Feel like I made the right decision. Subir Desai was very knowledgeable. thanks again. Kathy Pope